澳門第三方支付的法律性質與過錯責任

Electronic payments in Macao have been growing explosively over the past year or two, with third-party payments being the main growth area. However, there is no specific legislation on this issue in Macao, and the applicable contractual and legal remedies may not be able to meet the development of society in the present day when cross-border consumption is increasing! The following conclusion was reached: At present, banks or other financial institutions in Macao provide the same third-party payment services under different legal regimes, and the nature of the legal relationship between the institution and the user must be determined by the type of institution. In terms of the attribution of liability for faults, the civil code system cannot be brought into line with international practice. Even if the service providers were to compensate for the legal lag with a contract, it would be futile to do so because it would be in breach of the formal contractual system.